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Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. But with an online loan, you can apply from anywhere. This can make cash advances on credit cards a very expensive way to borrow money.

Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. This means that the bad borrower will pay less in interest over the life of the loan with a credit card cash advance.